I can handle any situation, so start packing for the move!
Prices are going up a predicted 6% in 2013.
This means a 200k home now will cost as much as 206,000 July and up to 212,000 in Dec 2013.
After reviewing these programs below, please email me at Steve@pro-option.com with the ones you'd like more info about:
1) 100% LTV- VA - pay off debt at closing on a purchases too!
2) 100% LTV- USDA - 12 mo. into Chapter 13 BKâ€¦OK Too!
3) 99% LTV- FHA
4) 97% LTV- NEW- No PMI -No FHA 1.75% MIP Fee!
5) 95% LTV- NEW-No PMI!
6) 95% LTV- NEW-CONDO Loan
7) 90% LTV- NEW-No PMI -2nd Home
8) 90% LTV- New-Jumbo w/cc
9) 85% LTV- NEW- No PMI to Super Jumbo
10) 80% LTV- Rental Property
Stated Income Alt Loan programs
11) 80% LTV- to Super Jumbo
12) 80% LTV- FIX nâ€™ FLIP Invest. Prop. â€“ No min. credit!
13) 75% LTV-to Mega Jumbo
14) 75% LTV- Foreign Nationals-to Super Jumbo
15) 75% CLTV-after Short Sale, BK, Foreclosure to Super Jumbo
16) 70% LTV- Hard Money to Jumbo
Go to http://WWW.PRO-OPTION.COM
Like the others have stated, the lateral job move should not hurt your chances and the additional income should really help your qualification process. Usually, what most lenders are looking for is that you have been in the same business or type of business for the past two years. Since your husband is staying in the same type of position with the same type of industry, this shouldn't be an issue for you. It would be a good idea for you to get a mortgage lender you can trust and talk to them about everything, get them to prequalify you and make sure you are on the right path to home ownership. Sounds like you are -- and it is so exciting! If I can be of help to you in helping you find a mortgage lender, or, when you are ready, in helping you find your home, just give me a call, a text or email. Good luck to you both!
Karen Peil, Prudential Network Realty, 904-501-3070
That shouldn't cause a problem for you. Lenders take a lot of factors into consideration when approving you for a home loan. If you'd like, you can do a free online approval with one of our Loan Originators to see where you stand. http://www.ApplyWithKelvin.com Let me know if I can help in any other way.
Jeff Metcalf, REALTOR(R)
Watson Realty Corp.
Thanks, Roni Hienrich
Lindsey Skye Maguire
Coldwell Banker Premier Properties